The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Although you won't be able to cash out your policy right away, you should be able to access its cash value within 15 years of its initiation. Your whole life insurance policy's cash out value is also known as its available partial surrender value. When you look at your policy's statement, you'll see a line that's marked with this term. The available partial surrender value amount indicates exactly how much you're entitled to receive in the event that you cash out your life insurance ...